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Figo is a Chicago-based pet insurance provider that cover cats and dogs. Founded in 2012, Figo takes a very technology-centric approach to pet insurance, incorporating a cloud-based platform to manage all your medical records and relevant information. The company offers coverage that is relatively generous, and unlimited benefits as an option.

How is Figo rated?

Breakdown

9/10

Coverage

8/10

Benefit Limits

9/10

Deductibles

9/10

Reimbursement

9/10

Claims and Service

7/10

Pricing

7/10

Enrollment

Overall Rating: 8 / 10 (Very good)

Figo offers extremely generous coverage for the price. Its standard plan covers items that most high-level plans won't, unless they are made available as costly add ons. Figo is the only company we are aware of that has an 100% reimbursement option. Though, this will mean the highest premium. The company offers unlimited coverage as an option and will waive payments if the animal is receiving life-saving care. However, Figo is relatively new and does not possess the experience or time in business as some of our other featured companies.

Figo Coverage

Coverage - 9 / 10

Figo offers three plan levels and all of them provide substantial coverage for the price compared to most other companies. Figo's least expensive plan covers normal accidents and illnesses, but also things like prescriptions, hip dysplasia, exam fees, alternative treatments, prosthetics, mobility devices, and treatment for behavioral problems. The other two plans only go up from there, covering lost pet advertising and reward, and vacation cancellation. Figo also no exclusions for hereditary or congenital conditions, or pre-existing conditions if they have been cured for 12 months.
Figo is the only company we are aware of that will waive copays and deductibles for life saving care.

Pets Covered

Dogs

Cats

Coverage Types

Medical

Vet Selection

Unrestricted

Out-of-State Coverage

Commercial Pets Covered

Medical Conditions Covered

Accidental

Illness

Hereditary

Congenital

Cancer

Chronic

Dental Illness

Medical Treatments Covered

Diagnostic Testing

Surgery

Hospitalization

Prescription Medications

Emergency Care

Specialty Care

Alternative Care

Behavioral Therapy

Prosthetics & Mobility Aids

Benefit Limits

Benefit Limits - 8 / 10

Unlike some of our other top companies, Figo does not offer unlimited coverage as a default. You can choose between $10,000, $14,000 and unlimited. For complete peace of mind you may have to go with the high end plan to get the unlimited coverage, as advanced techniques and specialized treatments are costing more than ever before. Figo does not operate on a benefit schedule.

Benefit Limit Types

Unlimited

Reimbursement & Deductibles

Reimbursement - 8.5 / 10

Figo offers reimbursement levels of 70%, 80%, 90% and 100%. They are the only pet insurance company we are aware of that reimburses at 100%. They also pay out on the actual vet bill.

Reimbursement Model

Actual Cost

Minimum Percent Reimbursement

70%

Maximum Percent Reimbursement

100%

Deductibles - 9 / 10

Like all the best options, Figo allows you to customize your deductible with four choices between $50-$500. However, the company will waive the deductible if your pet is receiving life saving care. This is an annual deductible not per condition.

Deductible Type

Annual

Minimum Deductible Offered

$50

Maximum Deductible Offered

$500

Pricing: How much does Figo cost?

Pricing - 6.5 / 10

Figo offers you more extensive coverage than most competitors at a price that is in line or slightly higher than average depending on the plan, deductible, and reimbursement percentage you choose. Plus, the cloud platform gives you access to a virtual pet lover community. Advantages include, pet-centric activities and stores around you, vaccination and appointment reminders, and online pet profiles that can assist those looking for lost animals.

Enrollment & Waiting Periods

Enrollment - 6.5 / 10

Figo covers all dogs and cats 6 weeks and older. There is no upper age limit, which is great as many other plans have one. There are also no breed restrictions. Waiting periods for accidents and injuries is 5 days, and 14 days for illnesses. There is also a 6-month waiting period for problems associated with patellas and cruciate. Figo offers an online discount at enrollment and a host of other discounts including full pay, shelter/rescue, military, service dog, and multi-pet.

Min Enrollment Age

0 weeks

Accident Waiting Period

5 days

Illnesses Waiting Period

14 days

Free Look Period

30 days

Claims & Service

Claims and Service - 8.5 / 10

Figo's claims process is completely paperless and features fast and easy mobile claims with an average approval time of 10 days. You can either take a picture of the bill with your phone and submit it via the cloud, or uploaded it to your email client and send it that way. Turnaround times are faster than most if you select direct deposit.
The company is reachable via text, chat, phone, email, Twitter, or Facebook Messenger. Figo even sends get well cards to sick pets or care packages to those who have passed away.

Although Figo doesn’t have very many comments, those it does have are glowing. The company’s customer service and straightforward claims procedures come in for special praise. A few customers have been inconvenienced by Figo's “growing pains,” but as one customer wrote, “they have been great at communicating their growing pains and it seems to me like they are on it.” Companies that admit having problems and explain what they’re doing to fix them display an encouraging and rare candor.

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Customer Comments

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dan r

Cape Coral, Florida

9/26/2017

I am a prospective policyholder and want to advise that the company rep (Alex), who i was able to contact for information about your product, was very professional, courteous and answered all my questions about your plans, prices and financial standing, in a very thorough and helpful way. I had spent a great deal of time in trying to reach the best possible decision regarding pet insurance, and I feel that I now know which company is the best choice to protect my pet. If Alex is any indication or representation of FIGO, in general, then the choice is easy. Thanks for having Alex on your team.

I chose Figo because of its simplicity. Sign up took a few minutes. I chose essential plan 10k,200 deductible , 100 percent coverage. The montly premium was one of the most affordable compared to the other pet insurance companies. Plus, Figo coverage was the most generous. I have not yet filed a claim but so far customer service was very helpful. I f I had a question, I would text them, and I would get a replay back within a few mintues. I now have peace of mind. Thanks Figo.!!!

I spent the whole entire day trying to find good pet insurance for my cat!! And when I finally choose FIGO, it turned out to be a big waste of time!! Everytime I pressed the purchase button, it kept asking me for my password!! I put that in 85 times already & even kept changing my password!! But it wouldn't go through!! And the app doesn't even recognize my account, & so I had to uninstall it!! Thanks for nothing Figo!!😠

I compared policies, and by far this company offers the best coverage. I went with $200 annual deductible, and 90% reimbursement plan for my two kittens. I now have the peace of mind that if something happens I am covered. Most comprehensive plan I could find.

We just insured our German Shorthaired Pointer, Prince. Have not had any claims yet but we do like the Pet Cloud where you can send Figo your pet's medical records very easy. Also, chose Figo because they had 100% reimbursement coverage that the other companies did not offer. Time will tell if we made a good choice and we will keep you updated. So far so good!!!

Figo is the really the best pet insurance out there. Our last dog we had a different pet insurance that was complicated, paperwork to fill out, and poor follow up.
Figo is exactly the opposite. The plan coverage is beyond everyone else, and customer service dept is excellent. My two dogs are on Figo, and the claims processing was so easy. Thanks Figo